Make sure the insurance plan you choose includes the Carolinas HealthCare System doctors and hospitals
you trust.

This year, Open Enrollment for individual health insurance coverage – the period of time when you can
sign up for a new health insurance plan sold on the Individual Health Insurance Marketplace or make
changes to your current individual plan for 2018 – is much shorter. You only have 45 days to make
choices that may affect your healthcare.

As a trusted healthcare system caring for our communities, we can help answer questions and make the
process easier.

Individual Health Insurance Marketplace

Plans sold on the Individual Health Insurance Marketplace in North Carolina and South Carolina vary by
county.

Unmatched access to primary care, on-demand care including urgent care and online video health
visits, and the region's only Level I trauma center

Peace of mind that you can keep your out-of-pocket costs down when you get care from us

What Plans Include Carolinas HealthCare System in Network?

Carolinas HealthCare System doctors and hospitals are preferred in the following plans sold on
the Individual Health Insurance Marketplace for 2018:

Metro Charlotte, NC Area

Blue Local with Carolinas HealthCare System from
Blue Cross and Blue Shield of NC

Blue Advantage from Blue Cross and Blue Shield of NC

Metro Charlotte, SC Area

BlueEssentials from BlueCross BlueShield of SC

Important Notes

Blue Value health insurance plans from Blue Cross and Blue Shield of NC do NOT include our doctors
and hospitals.

Blue Select health insurance plans from Blue Cross and Blue Shield of NC include Carolinas HealthCare
System, but many of our doctors and hospitals are NOT preferred providers in this plan, so
your out-of-pocket costs may be higher for care from us.

What if I Need Emergency Care?

If you have a medical emergency you should go to the closest hospital emergency room. Carolinas
HealthCare System hospitals provide services to all patients seeking treatment for an emergency
medical condition, regardless of their health insurance plan or ability to pay for emergency
services.

How to Enroll in or Change Plans

If you live in North Carolina, stop by Blue Cross and Blue Shield of NC's BlueStore located
at
8156 S. Tryon St. in South Charlotte. Agents are on-site to help you enroll.

Talk with your health insurance agent.

Open Enrollment for Individual Health Insurance Coverage

Frequently Asked Questions

What is the Individual Health Insurance Marketplace?

The marketplace is an
online resource where you can shop for, compare, and enroll in or update a health insurance plan.
You can also see if you're eligible for savings.

What is open enrollment for the Individual Health Insurance Marketplace?

"Open enrollment" is a period of time when you can enroll in or make changes to a health plan. For 2018 Marketplace
plans, the sign up period is half as long as it's been in previous years. Open enrollment begins November
1, 2017 and ends December 15, 2017; that means you only have 45 days to make your choice for a 2018 Marketplace
health plan.

Why do I need to change or review my plan?

Changes are made to health insurance plans available on the Individual Health Insurance Marketplace each
year. These changes may affect which doctors, hospitals and other providers are included in a plan, as
well as the costs you will be responsible for paying. It is important that you understand which doctors
and hospitals are in your health insurance plan before making a decision.

What is a network?

A "network" is a group of doctors, hospitals, pharmacies and other healthcare providers that participate
in a specific health insurance plan. Usually, your out-of-pocket costs are lower if you seek care from
doctors and hospitals that belong to your health insurance plan's network.

Can I keep my doctors?

It depends. Most Marketplace health insurance plans in our area include a limited number of doctors, hospitals,
pharmacies and other healthcare providers. In some cases, your insurance company may not pay for your
care if you go to a doctor or hospital that is not in your health insurance plan. If staying with your
current doctors is important to you, be sure to check if they are included in a health insurance plan
before making a decision. It is important to know that if you have a medical emergency, you should go
to the closest hospital emergency room. Carolinas HealthCare System hospitals provide services to all
patients seeking treatment for an emergency medical condition, regardless of their health insurance plan
or ability to pay for emergency services.

Why do I need health insurance?

Health insurance helps you pay for your care. It's impossible to predict what your medical bills will be
each year; having coverage gives you the peace of mind that you are protected from very high medical
expenses.

Studies show that people with health insurance are much more likely than those without it to use preventive
health services and necessary prescription drugs. They are also less likely to incur medical debts.

Also, if you can afford health insurance, but choose not to get it, you may be required to pay a fee – sometimes
called a "penalty" or "fine" – when you pay your federal income taxes.

What are out-of-pocket costs?

Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.

How can I get more information?

Whether you're applying for the first time or already have a 2017 individual health insurance plan that you
need to update, you can:

Visit
Healthcare.gov for a full listing of plans by state and a checklist of documents you need.

Talk with your health insurance agent.

If you live in North Carolina, stop by Blue Cross and Blue Shield of NC's BlueStore located at
8156 S. Tryon St. in South Charlotte. Agents are on-site to help you enroll.

How do I know which Individual Health Insurance Marketplace plans include Carolinas HealthCare System doctors
and hospitals?

Carolinas HealthCare System doctors and hospitals are preferred in the following plans sold on the Individual
Health Insurance Marketplace for 2018:

Metro Charlotte, NC Area

Blue Local with Carolinas HealthCare System from Blue Cross and Blue Shield of NC

Blue Advantage from Blue Cross and Blue Shield of NC

Metro Charlotte, SC Area

BlueEssentials from BlueCross BlueShield of SC

Important Notes:

Blue Value health insurance plans from Blue Cross and Blue Shield of NC do NOT include our doctors and
hospitals as in network providers.

Blue Select health insurance plans from Blue Cross and Blue Shield of NC include Carolinas HealthCare
System in its network, but many of our doctors and hospitals are NOT preferred providers in this
plan, so your out-of-pocket costs may be higher for care from us.

What if I have an emergency?

If you have a medical emergency, you should go to the closest hospital emergency room. Carolinas HealthCare
System hospitals provide services to all patients seeking treatment for an emergency medical condition,
regardless of their health insurance plan or ability to pay for emergency services.